Myth: Habitat WmCoHabitat gives houses away.

Fact: Wmco Habitat offers homeownership opportunities to families who are unable to obtain conventional house financing.

Generally, this includes those whose income is 30 to 80 percent of the area’s median income. Prospective Habitat

homeowner families make a down payment equal to 1% of the purchase price. Additionally, they contribute 200 hours

of “sweat equity” on the construction of their home or someone else’s home. Because Habitat homes are built using

donations of land, material and labor, mortgage payments are kept affordable.

Myth: Habitat houses reduce a neighborhood’s property values.

Fact: Housing studies show affordable housing has no adverse effect on neighborhood property values. In fact, Habitat

homes have proven to increase property values and local government tax income.

Myth: Only Minorities get Habitat OC homes.

Fact: Habitat builds houses in partnership with those in need regardless of race, religion or any other difference.

Prospective homeowners must meet three criteria: need; ability to repay the mortgage; and a willingness to partner with

Habitat. Statistically across the US, 33 percent of Habitat homeowners are Anglo and 67 percent are people of color.

Myth: Illegal Immigrants get Wmco Habitat homes.

Fact: Wmco Habitat  requires that all purchasers, and their dependents, be legal residents of the United States of America.

Myth: Habitat homeowners are on welfare.

Fact: Qualified families are working people struggling to house their families, provide proper nutrition, purchase

health care, and assure their children are educated. Some Habitat homeowners receive Aid to Families with

Dependent Children. Typically their annual income is less than half the local median income in their community.

Myth: You have to be Christian to become a Habitat homeowner.

Fact: Habitat homeowners are chosen without regard to race, religion or ethnic group, in keeping with U.S. law and with

Habitat’s abiding belief that God’s love extends to everyone. Habitat also welcomes volunteers from all faiths, or no faith,

who actively embrace Habitat’s goal of eliminating poverty housing from the world.

Myth: Habitat for Humanity International dictates policy and practices for every local

Habitat organization.

Fact: Local Habitat affiliates are independent, nonprofit organizations that operate within a specific service area within

the framework of the Habitat Affiliate Covenant.

Myth: Habitat for Humanity is an arm of the government.

Fact: Habitat for Humanity is not an arm of the government. Habitat is an independent, nonprofit organization that

accepts some government funds and other resources to help provide houses for those in need. We accept these funds as

long as they do not limit our ability to demonstrate the love and teachings of Jesus Christ. Additionally, our local affiliates

insert specific guidelines as needed to avoid becoming dependent on or controlled by government funds.

Myth: Habitat for Humanity was founded by former U.S. President Jimmy Carter.

Fact: Habitat was started in 1976 in Americus, Ga., by the late Millard Fuller and his wife Linda. President Carter and his

wife Rosalynn (whose home is eight miles from Americus, in Plains, Ga.), have been longtime Habitat supporters and

volunteers who help bring national attention to the organization’s housebuilding

work. Each year, they lead the Jimmy

Carter Work Project to help build houses and raise awareness of the need for affordable housing.

Source: Adapted from Habitat for Humanity International